The Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” is a housing finance initiative launched by the Government of Pakistan to help middle-income families buy or build their own homes through subsidized bank loans.

• KEY FEATURES:

House loan up to PKR 1 crore (10 million)   |   5% fixed markup for the first 10 years   |   Repayment period of up to 20 years   |   Only 10% down payment/equity required

• AVAILABLE FOR:

Buying an apartment   |   Buying a house   |   Constructing a house on owned land

• PROPERTY SIZE LIMIT:

Up to 1500 sq. ft. apartment   |   Or 10 marla house

• WHO CAN APPLY?

Generally, applicants must:

Be a Pakistani citizen with valid CNIC   |   Be a first-time home buyer   |   Have proof of income/business

Meet bank financing criteria   |   Not already own a residential property in many cases

• EXAMPLE INSTALLMENTS:

Approximate monthly installments under the subsidized period:

These figures apply during the first 10 years at the subsidized rate.

• IMPORTANT THINGS TO KNOW:

1. After 10 years, the rate may shift to KIBOR + 3%, so installments can increase depending on market conditions.
2. Banks still evaluate:

Salary/income stability   |   Credit history   |   Tax records   |   Existing liabilities

Freelancers and self-employed people may need stronger documentation like bank statements and tax returns. Community discussions suggest the process can sometimes be lengthy